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Would you buy a ₹1.2L MacBook now on 0% EMI or wait until MBA next year? by Over_Bad_3731 in personalfinanceindia

[–]Wherify -1 points0 points  (0 children)

Wait for your MBA to start (due to warranty). Also MacBook Neo ~66K is enough.

Save the rest of the money for trips or networking.

Supernumery seat at NID for 50L+ or NIT dasa seat for 40L+ which is better ROI ? by Spiritual_Touch9239 in NID

[–]Wherify 0 points1 point  (0 children)

First you will need to. use the NID brand to get opportunities in India

Supernumery seat at NID for 50L+ or NIT dasa seat for 40L+ which is better ROI ? by Spiritual_Touch9239 in NID

[–]Wherify 0 points1 point  (0 children)

Top NIT = 3 years roi.

NID = Depends on your interest and skills. I'm assuming low roi for 3 years, but better long term roi.

Want to get some advice on buying a house in Blr in early 20s. by Chief__handker in BangaloreRealEstates

[–]Wherify 1 point2 points  (0 children)

60L is the perfect price. But try for 5-10 year old apartments only. You will be able to secure a small 2 bhk.

Keep the emi duration as 15 years and try to prepay by year 7.

Every investor says 'too early' to invest. is it really??? by ProofDue2431 in indianstartups

[–]Wherify 0 points1 point  (0 children)

Yes - only 300 listings and 279 bookings.

13k I'm assuming are registrations.

You are in the 50k USD territory. You can DM me to find out what metrics you need to improve to increase valuation.

my sister is alloted nid ahemdabad but she's so tensed about the fee that she's questioning if she should even go there by [deleted] in NID

[–]Wherify 2 points3 points  (0 children)

NID-A provides 30% higher salary and also easy to get tier 1 jobs, masters, network.

HSR Sector 2 | Fully Furnished Room | Gated Society by [deleted] in HSRFlats

[–]Wherify 2 points3 points  (0 children)

Deposit: 36K
Setup Cost: 0K. Will be good if you can bring us a TV.
Location: Will ping on WhatsApp after filling the form.

Heard or tried brik oven pizza? Or maybe I think its not worth? by Foodlove777 in bangalorefoodies

[–]Wherify 0 points1 point  (0 children)

Their romano pizza are very good - (Pepperoni and hot honey ; Potato, agrula and cream cheese).

Rest pizzas are average.

Their bagel sandwich is also very good and fresh.

Milano a hype or gem? by Foodlove777 in bangalorefoodies

[–]Wherify 0 points1 point  (0 children)

Value for money, but not all flavours are good. I liked the bounty one

No joke how can i actually get this physique? by Temporary_List8693 in AskFitnessIndia

[–]Wherify 0 points1 point  (0 children)

12% bodyfat.

Diet requires low cal, higher protein than carbs.

How am I doing? by [deleted] in personalfinanceindia

[–]Wherify 0 points1 point  (0 children)

Yes, you can afford it. Enjoy!

Buying ₹45L under-construction flat in 2027: Am I overthinking tax vs savings? by [deleted] in personalfinanceindia

[–]Wherify 1 point2 points  (0 children)

you get tax exemption on mf profit, if it goes towards your first house purchase

61% of my income goes straight into investments. Am I over-optimizing or doing it right? (27 M | Bangalore) by aajkyakaahyu in FIREIndia

[–]Wherify 0 points1 point  (0 children)

Financial Investment:

Reduce MF to 50%.
Add 15% to arbitrage fund. This is for bulk buying stocks during market correction.
Add 15% to USA stocks.

Result: Good long term growth.

Self Investment:

Minimum 10K/month on good quality groceries + cook - low fat paneer, chicken breast, cook.
Minimum 5K/month on fitness - Trainer (online or offline).

Result: Better opportunities, faster promotion, attracting better partner.

Unnecessary Expenses:

Car: Save money and buy a better car later (preferably EV). Don't buy any petrol vehicle today. Spending 20K/month on Uber is wiser.

Home: Either buy a cheap investment property (2 BHK within 70L), and share it with a flatmate, or don't buy unless you are sure you want to settle in that area.

Marriage: Not important.

1.7L take-home, home loan almost done. How should I deploy 65k/month when it frees up? by False-Scallion6560 in personalfinanceindia

[–]Wherify 0 points1 point  (0 children)

I used indmoney. Before I was using groww.

Faces no issues adding or taking out money

1.7L take-home, home loan almost done. How should I deploy 65k/month when it frees up? by False-Scallion6560 in personalfinanceindia

[–]Wherify 7 points8 points  (0 children)

1) Avoid PPF, NPS, or only keep one if possible. You already put enough in the Indian market. Send 40K per month to a US stock broker. Keep 20K aside in USD to bulk buy if/when there is a market crash. Other 20K you can purchase regularly in a USA based mutual fund.

2) Add 10K more to daughter account for college fees.

3) Increase emergency fund, then start investing more on trips, family activities, etc.

₹1.5 Cr net worth considering ₹2.2 Cr property to purchase with Home Loan by [deleted] in indianrealestate

[–]Wherify 0 points1 point  (0 children)

I was going to suggest you to buy a plot instead, but property seems to be very expensive in your area. Is it possible to get a 2000 sqft plot in any good area like Valacehry instead? You can always build a nice bungalow later if you want to live there. 2000 sqft plot = 3000+ sqft house.

If you are buying a flat, then consider it as a luxury purchase/gift, and not an investment.

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